Med Direct or Tel Doc — Region 3, Grisons
Region 3, Grisons: with sana24, Med Direct costs CHF 491.90 a month in 2026 and Tel Doc CHF 476.70, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Doc is the cheaper of the two here: CHF 182.40 saved per year against Med Direct, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- Tel Doc
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Med Direct | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 491.90 | CHF 476.70 | CHF 182.40 |
| 500 | CHF 480.20 | CHF 465.00 | CHF 182.40 |
| 1'000 | CHF 451.10 | CHF 435.90 | CHF 182.40 |
| 1'500 | CHF 421.90 | CHF 406.70 | CHF 182.40 |
| 2'000 | CHF 392.70 | CHF 377.50 | CHF 182.40 |
| 2'500 | CHF 363.60 | CHF 348.40 | CHF 182.40 |
The comparison, region by region
- Med Direct or Tel Doc?
- Aargau
- Appenzell Ausserrhoden
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.